. >> the current administration, brenda, with the dodd frank regulatory environment here alive and well, has increased the regulatory costs to these banks in order to remain and continue solvent and guess who they're going to pass the costs on to? the consumer. no more free checking, you're going to be charged for your checking accounts. >> now, now, free checking accounts, they're not exactly a birth right, are they. >> brenda: i don't see him in the constitution. >> no, they're not. and you know what, good riddance, it was always about i go phony scam. there was never anything such as free checking and something the banks would come out and tell you they're giving free checking and whack it ten different directions with unexpected fees and the regulations made it more difficult to charge the fees and so, yeah, we're going back to a more honest system and offering a checking account, a serious system and we're not going to hit you from ten different directions and it's a bummer deal and the bankers are happy to say goodbye to it. >> that may be so, but gary, if government aren't on the